Finding an affordable life insurance policy with Focal Glomeruloneprhritis can be quite the challenge.
The good news is there is hope.
Indeed, we help individuals of all ages and all sorts of medical conditions at High Risk Life Insurance Agency.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Focal Glomeruloneprhritis? And if so…
2. How much will it cost?
Yes, most individuals with Focal Glomeruloneprhritis will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
But How Much Will it Cost?
Best Case Scenario – The best case scenario for Focal Glomeruloneprhritis is an acute case with full recovery and no permanent renal damage. These cases are usually given a “Standard” rating. Click here for quote at “Standard”.
Moderate Case – Those cases that did not fully recover from an acute Focal Glomeruloneprhritis and resulted to a chronic disease may still qualify for a “Mild Substandard” or “Medium Substandard” rating. The renal function test must be determined through the glomerular filtration rate (GFR). A normal person can function with a minimum of 20% GFR, therefore, the higher the GFR, the better the rating. Click here for a quote at “Mild Substandard” or “Medium Substandard”.
Severe Case – Those chronic cases with less than 20% GFR are considered with poor renal function, and therefore, will automatically be declined.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Standard, Mild Substandard or Medium Substandard), please see the questions below:
How many years have you been diagnosed with Focal Glomeruloneprhritis?
Focal Glomeruloneprhritis is a progressing condition that needs good control and management to delay complications of kidney failure. However, since it is a non-reversible condition, longevity increases the probability of complications like renal infection and nephrotic syndrome. The longer the condition the higher the rating or in severe cases may get a decline.
Yo might also want to read this article ‘ Life Insurance Approval with Nephritis’
Have you experienced any symptoms within the last six months?
Symptoms such as foamy urine, generalized swelling, weight gain and poor appetite may be flare signs of an acute attack, which may get you a higher rating.
Do you have regular check-ups with your nephrologist?
Regular visits to your doctor will ensure control of the condition and slowed progression of kidney damage. Life insurance companies see this as a good sign and may get you a good rating.
Have you had any relevant diagnostic tests in the past 12 months?
Recent laboratory exam to confirm your GFR, and diagnostic tests like kidney ultrasound are the best way to assess your actual condition. This may also confirm your compliance with your physician’s management.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Focal Glomeruloneprhritis
Focal Glomeruloneprhritis, also known as Focal Segmental Glomerulosclerosis (FSGS) is a condition characterized by a specific renal injury, whether acute or chronic in nature. The renal injury of FSGS is characterized by segmental glomerular scars. The common causes of FSGS include reflux nephropathy, HIV, heroin abuse and Alport syndrome.
The initial sign that rules out Focal Glomeruloneprhritis is the presence of protein in the urine (protenuria). Other signs include foamy urine, generalized swelling, weight gain and poor appetite.
One of the complications of Focal Glomeruloneprhritis is nephrotic syndrome with signs and symptoms including hypoalbuminemia, proteinuria, hyperlipidemia, and generalized edema (anazarca).
See our other articles on Kidney Disorders and Click Here